Lost or Stolen Card? Here's What to Do
If you’ve noticed that either your MHV debit card or credit card has gone missing, don’t panic—just act fast. The sooner you report it, the better. You can reach out to us directly by calling 845.336.4444 or visiting any of our convenient branch locations. Alternatively, you can contact Lost/Stolen Card Services at 866.820.8794. We’ll get things sorted quickly so you can rest easy knowing your accounts are secure.
Understanding Fees and Waivers
At MHVFCU, we strive to keep our fees transparent and manageable. There’s a $15 monthly service fee, but here’s the good news: this fee is waived if you maintain an average daily balance of $10,000 in your checking account or $25,000 across all your accounts with us. It’s just one way we reward our loyal members for trusting us with their finances.
Deposits and Payments Made Simple
When it comes to making payments or deposits, we aim for speed and efficiency. Any payments made will typically post within one business day. However, please note that MHV Visa credit cards, lines of credit, HELOCs (Home Equity Lines of Credit), and business loans are excluded from certain programs. Principal-only payments aren’t available, but don’t worry—if you’re looking for specific terms or rates, give us a call at 845.336.4444. Our team is happy to discuss longer-term options tailored to your needs.
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Competitive Loan Rates Explained
Let’s talk about those loan rates. At MHVFCU, we believe in offering competitive rates that work for you. Our personal loan rates start as low as 7.49% APR and go up to a maximum of 15.25% APR. Terms range from a minimum of 1 month to a maximum of 60 months. Keep in mind that rates are based on factors like your credit rating, the term of the loan, and, in some cases, the year of the vehicle you’re financing. Confused? No problem. Chat with one of our knowledgeable loan advisors who can guide you through the process. Or, if you prefer, give us a call at 845.336.4444—we’re always here to help.
Secure Banking Anytime, Anywhere
Managing your finances doesn’t have to be complicated. With MHV Digital Banking, you can access your accounts securely from anywhere, anytime. Enjoy features like mobile deposits, bill pay, and more for a seamless banking experience. Plus, we’re rolling out an enhanced platform soon, so stay tuned to learn more about how we’re making your banking life even easier.
Need Help Finding Us?
Whether you’re searching for the nearest branch or ATM, we’ve got you covered. Use our interactive tools, maps, and lists to locate the most convenient location for you. Whether you’re stopping by for a quick visit or sitting down with one of our advisors, we’re here to guide you every step of the way.
Meet Diana: Your Branch Manager
Hi there! I’m Diana, the branch manager at our main Kingston branch. My team and I take immense pride in serving the Kingston community by providing financial education, guidance, and solutions tailored to each individual’s needs. Whether you’re just starting out or planning for the future, we’re here to support you on your financial journey.
A Rich History of Service
Our story began nearly 60 years ago with a simple goal: to provide employees of IBM Kingston with a financial cooperative they could rely on. Fast forward to today, and we’ve grown into one of the largest credit unions in New York State, headquartered right here in Kingston, NY. With assets totaling over $794 million, we’re proud to serve thousands of members just like you.
Getting Started Is Easy
Opening a primary savings account with MHVFCU is straightforward. All you need is a minimum balance of $5 to get started. And if you ever need to find your routing number (which is 221976243), you can locate it at the top or bottom of any page on our website. To find your account number in digital banking, simply click on the desired account and then select "Details & Settings." It’s that simple!
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Why Choose MHVFCU?
At MHVFCU, we’re more than just a credit union—we’re your partner in achieving financial success. From personalized loans and accounts to expert advice and cutting-edge technology, we’re committed to helping you discover the financial possibilities that await. So why wait? Join the thousands of satisfied members who trust MHVFCU with their financial futures. Give us a call at 845.336.4444 or stop by a branch today. We’d love to meet you!
